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CmdrRiker posted:5.9 gals/100 miles is a weird way to say 17mpg. Listing it that way makes it much easier to compare fuel savings for different vehicles. A 13mpg car takes 7.7 gal to go 100mi, that 17mpg car takes 5.9gal so you can see that you save 1.8gal for every 100mi driven or it costs a out $4 more per 100 miles (in current gas prices of $2/gal. Most people would think that adding 4 mpg of fuel efficiency would have similar savings regardless of the absolute starting point, but that would be incorrect. To see this we can compare a 26mpg car vs a 30mpg car. At 26mpg it takes 3.8gals to go 100 miles and at 30mpg it takes 3.3gal, now we only saved $1 per 100 miles with the "same" jump in efficiency. Those gains get smaller and smaller the higher you go.
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Jan 11, 2019 02:53
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Thanatosian posted:In fairness, the several-year-old fully-loaded truck he had before was probably only getting 13 MPG. 30% improvement! Assuming you drive roughly 833 miles a month (~10k miles per year), each truck has a 36 gal tank, and fuel is $2 per gal: ((833 miles per month / (36 gal tank * 13mpg)))(36 gal tank * $2 per gal) - ((833 miles per month / (36 gal tank * 17mpg)))(36 gal tank * $2 per gal) ((833 / (36 * 13)))(36 * 2) - ((833 / (36 * 17)))(36 * 2) = ~$30 saved per month If all of those assumptions are pretty close to reality (and nothing ever changes, ha) then hopefully the interest per month is no more than $30 so he can break even. Kinda an infinitesimal plus for the environment, though.
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Jan 11, 2019 02:56
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CmdrRiker posted:Assuming you drive roughly 833 miles a month (~10k miles per year), each truck has a 36 gal tank, and fuel is $2 per gal: You could have done all of this without ever touching the size of the tank FYI (which you can see cuz every instance of it turns into a 1/1 term). But ya, this is the type of analysis one would need to do to see if the savings makes sense. And quite often it doesn't especially not as the sole rationale.
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Jan 11, 2019 03:02
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Where do you live that you manage to only drive 10k miles a year and gas is $2/gal 
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Jan 11, 2019 03:03
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BlackMK4 posted:Where do you live that you manage to only drive 10k miles a year and gas is $2/gal 10k miles is a poor assumption; but gas is pretty cheap in the US right now, like $2.20/gal average including states like California that have super expensive fuel. I filled up yesterday for $1.98/gal in Minnesota 
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Jan 11, 2019 03:06
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I'm still paying >$3/gal in Arizona, but it is premium. I think regular is still like $2.70/gal locally. You bastard.
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Jan 11, 2019 03:09
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Raldikuk posted:Listing it that way makes it much easier to compare fuel savings for different vehicles. A 13mpg car takes 7.7 gal to go 100mi, that 17mpg car takes 5.9gal so you can see that you save 1.8gal for every 100mi driven or it costs a out $4 more per 100 miles (in current gas prices of $2/gal. BEHOLD: MY CAPE posted:Outside of the United States fuel consumption figures are almost universally stated as volume/distance (of course in metric L/100km) because it is more intuitive to use linear measures than inverse measures. Well, gently caress. I never thought about it like that. Raldikuk posted:You could have done all of this without ever touching the size of the tank FYI (which you can see cuz every instance of it turns into a 1/1 term). But ya, this is the type of analysis one would need to do to see if the savings makes sense. And quite often it doesn't especially not as the sole rationale. Yeah, being explicit with the units of measurement helped me think about it more clearly. The units cancel out (like you said).
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Jan 11, 2019 03:16
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BlackMK4 posted:Where do you live that you manage to only drive 10k miles a year and gas is $2/gal Raldikuk posted:10k miles is a poor assumption; but gas is pretty cheap in the US right now, like $2.20/gal average including states like California that have super expensive fuel. I filled up yesterday for $1.98/gal in Minnesota Hey! I looked up an average annual miles driven statistic for a 65+yr old man. So take that. I used $2 per gal in my calculation because I'm in MN too. 
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Jan 11, 2019 03:22
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Bad With Money 2019: Math is the root of all evil
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Jan 11, 2019 03:49
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Ixian posted:Bad With Money 2019: Math is the root of all evil I don't know poo poo about math. I don't like math. I don't TRUST math.
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Jan 11, 2019 03:58
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You are all crazy if you think gas is going to remain cheap. That dude is a doofus for buying a lovely truck of course, but keeping the truck for the 4 times a year you need it and buying something that gets 4x better mileage for daily driving would save them a lot of money over the 8 year term, if they actually could stomach the shame of driving a hybrid or whatever.
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Jan 11, 2019 03:59
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Nocheez posted:You are all crazy if you think gas is going to remain cheap. That dude is a doofus for buying a lovely truck of course, but keeping the truck for the 4 times a year you need it and buying something that gets 4x better mileage for daily driving would save them a lot of money over the 8 year term, if they actually could stomach the shame of driving a hybrid or whatever. Pretty sure no one in this thread is thinking "gas is cheap, time for the pickup of my dreams. Think of all the groceries it can carry!" Or if they are, clearly they haven't done the math 
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Jan 11, 2019 04:00
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GoGoGadgetChris posted:Somebody compare that average engagement ring cost to the average household income, and see if the De Beers marketing play is still holding up Boring but I was curious: https://www.ssa.gov/cgi-bin/netcomp.cgi?year=2017 posted:The "raw" average wage is $48,251.57. The median wage is estimated to be $31,561.49. <calculations snipped>
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Jan 11, 2019 05:34
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Should I let my car get repoed? https://www.reddit.com/r/personalfinance/comments/aek84d/should_i_let_my_car_get_repoed/ quote:Hi quote:Why isnt there an option C to sell the car you don't need? Even if you take a monetary loss its likely still a better option than taking the hit on your credit from ceasing payments.
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Jan 11, 2019 05:53
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uvar posted:Boring but I was curious: I don't understand why this continues to work. I can't ask my female friends because I don't want to sound judgemental.
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Jan 11, 2019 06:01
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BEHOLD: MY CAPE posted:Outside of the United States fuel consumption figures are almost universally stated as volume/distance (of course in metric L/100km) because it is more intuitive to use linear measures than inverse measures. I would say this depends. I'm car shopping now in Taiwan (I'll say no more about it being bwm) but in all the pamphlets they usually give both km/l and l/100 km. On the dash they will tell me km/l on all the cars I'm looking at. This was very confusing at first becausost of the info I could find about these cars in English were from British car websites (who knew Suzuki stopped selling cars in the US) and I was wowed by all these superminis having ridiculously high MPGs coming from American cars. Then I learned that British and American gallons are not the same size. They still are like twice the milage of alot of US sedans though
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Jan 11, 2019 08:08
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Hoodwinker posted:Everybody knows 8 years of bad gas mileage is more expensive than paying for an entirely new vehicle, you IDIOT I for one am glad they are thinking about the environment.
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Jan 11, 2019 08:38
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CmdrRiker posted:I don't understand why this continues to work. I can't ask my female friends because I don't want to sound judgemental. It's not exactly black magic why it works; marketing is the application of psychology to prey on people's fears and vanity. When it comes to marriage and relationships, most women have been socialized to expect a husband to take care of them in some way, or at least be able to. Not only does the ring help quantify that mate's value as a provider, it signals how much they value you. Most people when asked are going to tell you that money alone doesn't make a good mate, but when you present them with a situation in which someone spends less than the norm on them, they get uncomfortable and dissatisfied. There's the joke about the guy who takes a woman to McDonald's for a date and only lets her order off the dollar menu; everyone knows this guy isn't worth seeing again and he's a comical dirtbag figure. Add in that it's taboo to talk about money except obliquely and in jokes, yet everyone is interested in what others make/have, and you end up with this hosed up situation in which everyone is in a competition to light the most money on fire. Rings are a huuuge status symbol among many women. I'm fortunate in being rainman's cousin so most of that stuff just doesn't work on me, but I'd also be lying if I said I wasn't very pleased that my husband could and was willing to spend 3 months on a ring if I wanted one. It's objectively dumb to spend money on things you can't afford, but at a certain point it just comes down to preferences and values. I don't wear much jewelry and a lot of the reasons its worn just don't interest me, so a large outlay for it is bananas for me. That said, I'm sure many people would think my hobby expenses are stupid af.
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Jan 11, 2019 09:00
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Got a little over $2000 in birthday & holiday moneyOP posted:The last thing I want to do is spend it all. I know it isn't a lot when compared to the figures I see on this sub, but I wanted to see if I could do anything with it. I was thinking of buying shares but I have no idea how it will work. I just don't want it to sit and do nothing. Found Zaurg’s reddit account: Not the OP posted:Depending on your total finances I would put some into crypto (only bitcoin). A lot of people may bash the idea but I feel A) it's an interesting gamble and you could make some money and B) you're supporting (in my opinion) a concept/practice that takes power away from big banking business.
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Jan 11, 2019 13:26
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Nocheez posted:You are all crazy if you think gas is going to remain cheap. That dude is a doofus for buying a lovely truck of course, but keeping the truck for the 4 times a year you need it and buying something that gets 4x better mileage for daily driving would save them a lot of money over the 8 year term, if they actually could stomach the shame of driving a hybrid or whatever. I had a co-worker who was driving a Ford Ranger getting sub-20 mpg about 80+ miles per day. He thought maybe he'd get a cheap Civic to commute with. The savings (gas was almost $4/gallon at this time) would pay for the car payment. Instead he gets a Mazda RX-8. While it got marginally better gas mileage, maintenance costs were so much worse (premium gas, expensive tires, the fact he wrecked it two weeks after purchasing).
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Jan 11, 2019 13:41
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Krispy Wafer posted:I had a co-worker who was driving a Ford Ranger getting sub-20 mpg about 80+ miles per day. He thought maybe he'd get a cheap Civic to commute with. The savings (gas was almost $4/gallon at this time) would pay for the car payment. Well, assuming he had insurance (+gap), it’s ok he crashed it because unless it was already on a new engine, it would’ve needed one. A coworker bought one used and within 3 months the apex seals blew (or whatever for rotaries) and it needed a new engine at $5k. Despite being past the warranty period and about 8 years old (the car), I somehow managed to help her talk to Mazda corporate and they replaced the engine free of charge because every RX8 detonates their engines.
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Jan 11, 2019 13:55
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Bird in a Blender posted:Was there a down payment involved? Trying to figure out if he'll be upside down for all 8 years of that loan, or maybe just 7 of it. $500 down because that's all they had at the time.
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Jan 11, 2019 13:55
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Cacafuego posted:Well, assuming he had insurance (+gap), it’s ok he crashed it because unless it was already on a new engine, it would’ve needed one. He rear ended another car at slow speed. It was a stupid careless accident that probably did 3 to 4k in cosmetic damage. Engine was unharmed. Those rotary engines are odd ones, though. I passed a fatal accident in an RX-8 where the car was wrapped around a pole and the engine was about 80 feet away laying in the grass. I'm assuming it was fatal because there was nothing left of the passenger compartment.
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Jan 11, 2019 14:04
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GoutPatrol posted:Then I learned that British and American gallons are not the same size. I had to explain this to some knucklehead on another (car) forum who was convinced there was some conspiracy happening with the UK vs USDM versions of cars that "magically" got better mileage in the UK when the manufacturer said they had the same engine and the only difference were minor trim/lights/right hand drive. He thought this conspiracy was being held up by them describing in l/km vs MPG and he was a genius by doing the conversion (using US gallons of course). So I started converting everything to rods to the hogshead. I think that's a better standardized measurement.
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Jan 11, 2019 15:38
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BonerGhost posted:There's the joke about the guy who takes a woman to McDonald's for a date and only lets her order off the dollar menu; everyone knows this guy isn't worth seeing again and he's a comical dirtbag figure. Joke's on them, that guy was Warren Buffett.
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Jan 11, 2019 15:43
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BonerGhost posted:There's the joke about the guy who takes a woman to McDonald's for a date and only lets her order off the dollar menu; everyone knows this guy isn't worth seeing again and he's a comical dirtbag figure. I know a guy who takes his Tinder dates to an Arby's right next to his house. Once they commit to a date, almost none of them back out after he suggests Arby's and several of them have come back for round 2.
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Jan 11, 2019 15:52
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Leon Trotsky 2012 posted:I know a guy who takes his Tinder dates to an Arby's right next to his house. Honestly that's just hilarious. Is this guy a lot of fun to be around?
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Jan 11, 2019 16:01
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BonerGhost posted:Honestly that's just hilarious. Is this guy a lot of fun to be around? The ladies just really like Arby's.
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Jan 11, 2019 16:13
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Both Arby's and that guy have really got the meat.
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Jan 11, 2019 16:16
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BonerGhost posted:Honestly that's just hilarious. Is this guy a lot of fun to be around? Not really. He's a skinny socially awkward dude that was my friend's roommate. I think he just knew that this was his way to get casual sex and filter out people who didn't realize that's what he was looking for. He played the numbers game. My friend said that he would successfully bring home 3 or 4 girls a month. Always taking them to the Arby's right next to the house and then coming back to gently caress. And some of them came back for a second trip to Arby's.
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Jan 11, 2019 16:24
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Leon Trotsky 2012 posted:I know a guy who takes his Tinder dates to an Arby's right next to his house. I'd stick around for the date out of curiosity and to not be an entitled white woman. Maybe he's got stock in Arby's. Leon Trotsky 2012 posted:Not really. Welp. Gross. And GWM so what is this poo poo doing here, LT? :P
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Jan 11, 2019 16:25
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BWM: My car only gets half a million rods per hogshead.
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Jan 11, 2019 16:32
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This feels very close to an off-brand version of "stop buying candles."quote:My parents found out that I smoke weed and cut of all financial support. No car, no phone, and they won’t help pay for college. How can I continue my education, pay for my own phone bill, and possibly get a car so I can get to a job while being a full time college student? quote:Stop smoking and get your parents to help again lol quote:Stopping is not feasible right now. quote:If you take out loans make sure you get a degree in something that makes money so you can pay it back. https://www.reddit.com/r/personalfinance/comments/aecs8r/im_a_freshman_in_college_starting_my_second/
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Jan 11, 2019 16:36
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RoastBeef posted:BWM: My car only gets half a million rods per hogshead. genuinely curious how this is your first post in the thread and it's not about the insane Arby's story 3 posts up
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Jan 11, 2019 16:39
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How do people still keep going through with these scams after they hit so many red flags? Some of them even say, "Well, I thought it was a scam, but couldn't hurt to try!" immediately before saying how surprised they are that they got scammed. I love this guy's "They seemed so legit! They posted a job on an even less regulated version of Craigslist for a company, then told me to not interact with the company's website or communicate with the company at all, that they don't use phones, and that the company uses a random gmail address instead of the email address on their website. Also, they need me to pay them before I get the job and payroll is done through Venmo. There was no way to see this coming." Even sadder is that this is the most famous scam of all and has been around for nearly a hundred years. One google search could have prevented this. quote:Scammed out of 2 grand and have no idea where to turn. Help! https://www.reddit.com/r/personalfinance/comments/aeass1/scammed_out_of_2_grand_and_have_no_idea_where_to/
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Jan 11, 2019 16:52
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Fitzy Fitz posted:genuinely curious how this is your first post in the thread and it's not about the insane Arby's story 3 posts up I dunno about that Arby's story, the guy sounds pretty solidly GWM to me. Bad with dignity, maybe.
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Jan 11, 2019 17:48
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Vox Nihili posted:Bad with dignity, maybe. No one is getting scammed here unless he just gives them an address and it happens to be Arby's. This guy sounds like he's way more suave than any of us realize.
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Jan 11, 2019 18:16
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Leon Trotsky 2012 posted:I know a guy who takes his Tinder dates to an Arby's right next to his house. It's like where those scammer emails will have tons of spelling and grammar errors weeding out the skeptical and leaving behind the most gullible.
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Jan 11, 2019 18:33
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BonerGhost posted:It's not exactly black magic why it works; marketing is the application of psychology to prey on people's fears and vanity. When it comes to marriage and relationships, most women have been socialized to expect a husband to take care of them in some way, or at least be able to. Not only does the ring help quantify that mate's value as a provider, it signals how much they value you. Most people when asked are going to tell you that money alone doesn't make a good mate, but when you present them with a situation in which someone spends less than the norm on them, they get uncomfortable and dissatisfied. There's the joke about the guy who takes a woman to McDonald's for a date and only lets her order off the dollar menu; everyone knows this guy isn't worth seeing again and he's a comical dirtbag figure. Add in that it's taboo to talk about money except obliquely and in jokes, yet everyone is interested in what others make/have, and you end up with this hosed up situation in which everyone is in a competition to light the most money on fire. Rings are a huuuge status symbol among many women. I'm fortunate in being rainman's cousin so most of that stuff just doesn't work on me, but I'd also be lying if I said I wasn't very pleased that my husband could and was willing to spend 3 months on a ring if I wanted one. Does knowingly dating someone who is questionable with financial decisions and wide eyes for future spending make me The BWM?
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Jan 11, 2019 18:35
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No one has confirmed the quality of these Tinder hookups. His odds may be good, but his goods are odd.
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Jan 11, 2019 18:58
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